Massachusetts Snow Removal Laws and Liability

January 9, 2024||inBusiness Insurance, Personal Insurance|business insurance, homeowners insurance, personal insurance, snow removal

Keep those shovels ready.

Winter is underway, and we’ve already had the season’s first snowfall. You must understand your legal responsibilities regarding snow removal if you own residential or commercial property. The state where you live has laws that dictate snow removal, and in many cases, your city or town may have local ordinances or by-laws that further define snow and ice removal responsibilities.

Massachusetts Snow Removal Laws and Liability
Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

In 2010, Massachusetts’ snow removal law underwent a significant change, with a Supreme Judicial Court ruling overturning a 100+ year-old Massachusetts rule that previously allowed property owners to not shovel “natural accumulations” of snow without liability. With the change in the law, all property owners (owner-occupied and rental) now have a legal obligation to keep their property free from snow and ice for the safety of visitors and guests…whether it’s “natural” or “unnatural” accumulations.

When do you have to shovel or treat icy surfaces?

Because of the dangers caused by snow and ice, shoveling and treating surfaces as quickly as possible is wise. If a threat exists, you have liability. Some cities and towns specify a minimum time by which surfaces must be cleared after a storm, but you may need to clean snow sooner;  i.e., Boston businesses 3 hours and residences 6 hours; Worcester 12 hours.

Do you have to shovel sidewalks in front of your house/business?

Most Massachusetts cities and towns require property owners to clear sidewalks and check your city or town ordinances. Often, you can be fined for failing to remove snow.  Also remember that shoveling snow out into the street is not allowed and is a fineable offense.

Can you transfer responsibility for shoveling to tenants?

Landlords are primarily responsible for snow removal at rental properties, which can’t be transferred by language in a lease. Property owners are responsible by law to keep all egresses free of obstruction. The only exception is when a dwelling has its egress that is not shared with other units. In this case, a landlord may require the tenant to be responsible for snow and ice removal of the entrance in a lease. However, this exception does not apply to the driveway or parking areas and so may not guarantee transfer of liability in some situations. It’s probably not worth taking a chance and relying on the tenant.

Do homeowners, dwelling fire, and commercial general liability policies cover injuries if someone slips and falls?

Typically, yes. Standard policies generally cover you if someone slips and falls on your property.  Be sure you purchase sufficient liability coverage of at least $500,000 or $1,000,000. The additional cost of increasing coverage to $1,000,000 is minimal for many homeowners. When a lawsuit happens, you can never have enough insurance…ask any attorney!

Helpful Links

Massachusetts Law about Snow & Ice

New Hampshire Law about Snow & Ice

City of Boston Snow Center

Read Other Blog Posts

People celebrating

Hosting Holiday Parties Responsibly: Tips for Personal & Business Gatherings

While it’s easy to get caught up in the fun, taking some simple precautions can prevent mishaps and protect you from unexpected situations. Here are some practical tips for hosting a safe and successful holiday party, with a focus on being prepared.
Read more
Holiday Decorations

10 Tips for Disaster-Free Holidays

From mishaps in the kitchen to accidents involving decorations, a little preparation can go a long way in ensuring your holidays stay merry and bright. Here are ten tips to help you enjoy a safe and disaster-free holiday season.
Read more
Map & Passport

Travel Smart: Holiday Safety Tips for Your Seasonal Adventures

Between the packed highways, bustling airports, and unpredictable weather, holiday travel comes with its fair share of challenges; here are some fun and practical tips for staying safe while traveling this holiday season.
Read more
Snowy Neighborhood

Protect Your Property This Winter: Tips to Prevent Costly Damage

From frozen pipes to roof collapses, the risks of winter property damage are real for both residential and commercial property owners. The good news? Many of these issues can be avoided with proactive steps that save you money and help keep your insurance premiums manageable.
Read more
Family decorating tree

Decorate Safely During the Holidays

While holiday decorations can be fun and beautiful, they can also present fire hazards. To keep your home and family safe throughout this holiday season, consider the following decorating tips.
Read more
Thanksgiving Safety Tips

Thanksgiving Safety Tips for a Happy Holiday

Thanksgiving is a time to gather with loved ones, share a delicious meal, and reflect on all we’re grateful for.  To help you celebrate safely and ensure that your holiday is filled with joy, not unexpected mishaps. here are some tips to keep in mind.
Read more
Car tire

Vehicle Breakdown Safety Basics

No one ever plans to experience a vehicle breakdown. That’s why it’s important to plan ahead and be prepared in order to handle such a situation safely. Implement the following guidance to ensure you remain safe and injury-free in the event that you get stuck on the road.
Read more
Calculator

How Insurers Calculate Premiums

Depending on the type of policy, an insurance premium must be paid monthly, twice a year or annually. Each policy type will have also have a different premium amount based on the coverage and policyholder. It’s essential to understand how premiums are calculated so you can secure the best deal without sacrificing coverage.
Read more
Drowsy

Preventing Drowsy Driving

Every year, the National Sleep Foundation organizes Drowsy Driving Prevention Week to raise awareness about the dangers of driving while fatigued.
Read more
Smoke Detector

Daylight Saving Time Change: A Perfect Reminder to Check Your Smoke and CO Detectors

Daylight savings time is a perfect opportunity to keep your home safe by checking your smoke and carbon monoxide (CO) detectors. Time change days are memorable markers, making it easy to establish this habit without any extra reminders.
Read more
Flooding

Why Flood Insurance is Essential: Lessons from Hurricanes Helene and Milton

The devastating impacts of Hurricanes Helene and Milton have shown that flood risk isn’t limited to coastal areas. These storms have highlighted a crucial gap that individuals and businesses need to be aware of: flood damage is generally not included in typical home, condo, renters, or commercial property insurance, making a separate flood insurance policy essential for true protection.
Read more
Deer

Defensive Driving to Avoid Deer Collisions

With deer mating season in full swing from October through December, drivers face an increased risk of collisions. As deer are more active, especially around dawn and dusk, habitat loss has pushed them closer to roadways. Here’s how defensive driving can help you avoid an accident.
Read more
Driving Car

Factors Affecting Your Car Insurance Rate

The cost of auto insurance is influenced by a wide range of factors. Together, these variables shape the overall cost of auto insurance. With this in mind, it can be helpful to better understand how the following elements may impact your rates:
Read more
Insurance Policy

Why Personal Liability Insurance is Essential for Homeowners, Condo Owners, and Renters

An essential part of home, condo & renter coverage often overlooked is personal liability insurance, which provides financial protection if you’re legally responsible for causing bodily injury or property damage to another person, both on and off your property.
Read more
Spam Phishing Scam

Recognize Spam and Phishing Emails

As more of our daily lives move into cyberspace, hackers, cybercriminals and spam bots may lurk behind every new message that shows up in your inbox. Even robust spam filters may not be able to catch every unwelcome email. Fortunately, you can act as an additional line of defense for yourself and your electronic devices by understanding the warning signs of spam and phishing emails.
Read more
Distracted Driving

How Distracted Driving and Texting Impact Your Auto Insurance Premiums

One major reason for auto insurance premiums going up is the rise in distracted driving, especially texting while driving. Distracted driving has become a leading cause of accidents, pushing up costs for insurance companies and, ultimately, leading to higher premiums for all drivers.
Read more
Apartment living room

Keep Your Home Safe While on Vacation

Taking a trip and exploring the world is fun, but leaving your home unoccupied has some risks.  Before departing, protect your property from accidents and criminals by considering the following precautions.
Read more
Male teen driver

5 Tips for Adding a Teen to Your Auto Policy

If your teen is approaching driving age, it may be time to start thinking about your plan for adding them to your auto insurance policy. Here are five tips to consider when adding a teen to your auto insurance policy.
Read more
Night driving

Understanding the Risks of Speeding

According to NHTSA data, speeding kills more than 12,000 people behind the wheel each year, contributing to nearly one-third (29%) of all traffic fatalities. With this in mind, it’s important to understand what causes speeding and how to prevent it.
Read more
Mold

Keeping Mold Out of Your Home

Mold not only damages your property, but it can also cause serious health complications after long-term exposure. With this in mind, try these prevention tips to keep mold out of your home.
Read more
Burglary

Tips for Preventing Home Burglaries

As a homeowner, you must protect your property from various risks, such as burglaries. To limit your chances of becoming the victim of a home burglary, consider the following steps for daily life.
Read more
Ensuring Peace of Mind: The Importance of Wedding Insurance

Ensuring Peace of Mind: The Importance of Wedding Insurance

Protect your big day with wedding insurance coverage. Whether safeguarding your attire, ensuring vendor reliability, or providing peace of mind against unexpected mishaps, we've got you covered so you can focus on making memories that last a lifetime.
Read more
Spring Cleaning for your Insurance

Spring Cleaning for your Insurance

As you tackle spring cleaning tasks, consider reviewing your insurance policies for any necessary updates. Ensuring your coverage is current and aligned with your needs offers peace of mind as you welcome the warmer seasons ahead.
Read more
Mistakes to Avoid when Applying for Auto Insurance

Mistakes to Avoid when Applying for Auto Insurance

Overlooking errors on your auto insurance application can result in significant consequences. Providing inaccurate information may lead to higher premiums, policy cancellations, or inadequate coverage during accidents.
Read more
Don’t Underestimate the Risk and Impact of Disability

Don’t Underestimate the Risk and Impact of Disability

Statistics reveal a stark reality: nearly 20% of the US population reports long-lasting disabilities, with a significant portion experiencing disability during their working years. Securing disability insurance is essential to safeguard against financial vulnerability in such circumstances.
Read more
Your Renters Insurance GuideYour Renters Insurance Guide

Your Renters Insurance Guide

Your landlord's insurance covers repairs to the building in the event of a disaster if you rent a house or apartment. To safeguard your belongings and liability, renters or tenants insurance is essential.
Read more
Factors that Affect Home Insurance Premiums

Factors that Affect Home Insurance Premiums

Home insurance coverage varies based on factors like policy type and personal circumstances. Understanding these factors ensures you have adequate coverage tailored to your needs.
Read more
Distracted Driving Awareness Month: Are You Doing Your Part?

Distracted Driving Awareness Month: Are You Doing Your Part?

April is Distracted Driving Awareness Month, recognized by the National Safety Council. It aims to raise awareness about the dangers of distracted driving and urges motorists to minimize distractions while driving.
Read more
How to Avoid Having an Underinsured Home

How to Avoid Having an Underinsured Home

In ensuring your home is adequately covered for a disaster, it's vital to avoid being underinsured, especially considering your home's significance as a significant asset. To ensure adequate coverage, asking your insurance professional four key questions is crucial for peace of mind and protection.
Read more
Protect Yourself from Underinsured and Uninsured Drivers

Protect Yourself from Underinsured and Uninsured Drivers

When purchasing car insurance, it's common to prioritize coverage for personal and property damage as well as liability. However, it's equally important to consider coverage for scenarios where another party is at fault, as their insurance might not adequately cover damages or injuries, leaving you financially vulnerable.
Read more
Even Responsible People Get Sued

Even Responsible People Get Sued

Regardless of your financial status, legal actions can incur substantial defense costs, potentially causing financial strain, irrespective of the lawsuit's outcome. Being sued, even without liability, can lead to significant financial burdens.
Read more
Costly Insurance Mistakes to Avoid

Costly Insurance Mistakes to Avoid

In insurance decisions, balancing coverage and budget is key. While cutting corners may seem wise, investing more initially for better protection can prevent hefty out-of-pocket expenses during claims. Avoiding common pitfalls ensures solid protection, from underinsuring homes to securing vital coverages like flood and earthquake insurance.
Read more
10 Questions to Help Assess Changing Insurance Needs

10 Questions to Help Assess Changing Insurance Needs

Regular insurance reviews are essential as our life circumstances evolve, ensuring our coverage aligns with our needs. Utilize these ten questions during your review to gauge if adjustments or discussions with your insurance professional are necessary.
Read more
A Full Insurance Review is Worth Your Time

A Full Insurance Review is Worth Your Time

You've purchased insurance for your auto, home, business, life, etc., ensuring comprehensive coverage. With the premiums settled, you might wonder why you should engage with your insurance representative unless there's a specific concern. However, it's wise to annually review your insurance coverage to understand its nuances and potential updates.
Read more
How Much Homeowners Insurance Do I Need?

How Much Homeowners Insurance Do I Need?

Adequate homeowners insurance is essential for rebuilding your home, replacing belongings, living expenses during displacement, and safeguarding against liability. Use these guidelines to assess necessary coverage and amounts for your protection.
Read more
4 Things to Do After Buying Life Insurance

4 Things to Do After Buying Life Insurance

While life insurance is personal, it’s something to discuss with your loved ones. Certainly, use your discretion and judgment, as there may be individuals you feel should not know. If you have an executor, he/she should be aware of your plans, and often, the beneficiary is informed. Your loved ones can’t be protected if they don’t know the protection exists.
Read more
Don’t Put Off Creating Your Home Inventory

Don’t Put Off Creating Your Home Inventory

Having a Home Inventory is essential for every individual in a world of unforeseen events. Break down the process into manageable steps, enlist help if needed, and utilize technology to create a comprehensive list of your possessions. This will ensure peace of mind and financial security in the face of adversity.
Read more
11 Things to Discuss with Your Agent Before Taking Action

11 Issues that Can Impact Your Insurance Coverage

Your decisions, such as adding a pool to your backyard, can influence insurance pricing and availability, so staying informed is key. Some policies might have exclusions, require endorsements, or come with increased premiums due to added risks, which is important to consider when making decisions.
Read more
Can you afford to replace that ring, bracelet, etc.?

Can You Afford to Replace that Ring, Bracelet, etc.?

Losing a sentimental or expensive piece of jewelry without the means to replace it can be devastating. Unlike typical home, renter, or condo insurance policies, which often have low coverage limits for jewelry, insuring valuable items like engagement rings may require additional coverage to bridge potential gaps in protection.
Read more
Term vs. Permanent Life Insurance

Term vs. Permanent Life Insurance

Shielding your loved ones is a straightforward choice, but the dilemma often arises when deciding between term or permanent insurance. Your decision should reflect the specific goals you wish to achieve for the individuals you're safeguarding.
Read more
Renters...you need insurance too

Renters, You Need Insurance, Too!

Did you know? According to a survey by Apartments.com, 58% of renters don’t purchase tenant insurance, often due to misconceptions about its cost or existence. However, the average price for a policy covering $20,000 in personal property and $500,000 in personal liability is approximately only $200 a year, making it an affordable option for protecting your belongings and financial security.
Read more
Changing Garaging Don’t Delay In Telling Your Agent Graphic

Changing “Garaging?” Don’t Delay In Telling Your Agent

The location where your vehicle is primarily parked overnight is termed the “garaging location”. If the garaging location changes, your auto insurance policy states that you are required to notify the insurance company immediately. There is no grace period for notification; therefore, it’s a good idea to let your agent know in advance when a garaging change will occur.
Read more
Identity Theft Insurance

What is Identity Theft Insurance?

Identity theft involves stealing personal information to impersonate victims, leading to fraudulent activities such as draining bank accounts or obtaining unauthorized loans. Criminals may even secure employment or housing using the victim's identity.
Read more
Space Heater

Warmth Without Worry: A Guide to Space Heater Safety

As the chill of winter sets in, space heaters are a convenient way to add warmth in areas that may lack central heating or need an augmented heat source during colder months, but safety should always be a top priority to avoid potential fires. Follow these crucial tips to prevent space heater fires and create a secure and cozy environment.
Read more
Understanding Rental Car Insurance

Understanding Rental Car Insurance

When renting a car, understand your existing coverage before considering additional insurance options. Whether from traditional rental companies, car-sharing programs, or peer-to-peer services, knowing your policies can prevent unnecessary expenses while ensuring adequate protection on the road.
Read more
What to Do if Your Pipes Freeze

What To Do If Your Pipes Freeze

There are lots of things you can do to reduce the risk of winter related losses such as frozen pipes. However, if temperatures are extremely cold and you turn on your tap to find a trickle or nothing instead of a steady flow, you probably have frozen pipes somewhere in your home. Water expands when frozen, but pipes do not, which can cause a pipe to burst. If you discover you have frozen pipes, act quickly...don't wait for them to burst.
Read more
Getting Your Financial House in Order

Getting Your Financial House in Order

No one likes to think about the loss of a loved one or their own death, but if you want to avoid having your family struggle with financial and legal issues, there are certain planning steps you need to take. Sometimes the reason people don't take action is because they don't have a trusted resource to turn to. Our Financial Insurance team is glad to answer questions and offer guidance. We can even refer you to other trusted advisors if needed.
Read more
Massachusetts Snow Removal Laws and Liability

Massachusetts Snow Removal Laws and Liability

Winter is underway and we’ve already had the first snow fall of the season. If you own residential or commercial property, it’s essential to understand your legal responsibilities regarding snow removal. The state you live in has laws that dictate snow removal and in many cases, your city or town may have local ordinances or by-laws that further define snow and ice removal responsibilities.
Read more
Driving in Winter Be Prepared and Stay Safe

Driving in Winter…Be Prepared and Stay Safe

Snow, sleet, ice and below freezing temperatures all have an effect on driving conditions. During winter, safety depends on driver performance in winter hazards, good vehicle maintenance—and common sense. These tips will help you and your car weather the winter.
Read more
Happy New Year 2024

Fortify Your Future – A Guide to Updating Your Insurance for the New Year

With the new year, lots of us make "new year resolutions".  A resolution is defined as "a firm decision to do or not to do something."  So, it maybe a new habit such as exercising more, changing eating habits, quitting smoking or changing a routine. Or, it could be checking something off your "bucket list" or taking care of a long put off task or project. Your New Year's resolution should be making sure you are properly insured.
Read more
Reduce The Risk of Winter Related Losses

Reduce The Risk of Winter-Related Losses

Winter months often increase the risks of a variety of claim situations. Being proactive can help reduce the chances of having an accident or loss. Here are a number of steps you can take to mitigate any unforeseen situations during the winter including avoiding ice dams, frozen pipes and knowing where the main water shutoff is.
Read more
8 Myths About Life Insurance

8 Myths About Life Insurance

Having Life Insurance coverage is important and will give you peace of mind knowing those you hold most dear have a financial safety net in the event of an unexpected tragedy. Speak with an insurance professional about life insurance to discuss options of a policy that fits your budget and your needs….Don’t wait until it’s too late! Reach out to us at Murphy Insurance so that we may give you the information you need to make an informed decision.
Read more
Tips for Disaster-Free Holidays

Tips for Disaster-Free Holidays

Take measures to safeguard this festive season and its celebrations against the risks of fire, theft, accidents, and other mishaps. Following guidance from the Insurance Information Institute (III), implementing a few straightforward precautions and obtaining appropriate insurance coverage can help mitigate seasonal dangers.
Read more
Christmas Tree Safety

Christmas Tree Safety

During the holidays, Christmas trees stand as central pieces of festive decoration, sourced through cutting, roadside purchases, or artificial alternatives. Yet, their beauty doesn't negate the fire risks they pose, emphasizing the need for safety precautions to ensure a joyful and accident-free celebration.
Read more
Holiday Safety Tips

Holiday Safety Tips

As we cherish the festive season with decorations and gatherings, it's crucial to acknowledge the potential fire and accident risks associated with these activities. While ensuring holiday fun, remember to prioritize safety measures such as checking Christmas tree freshness, inspecting lights, using flame-resistant decorations, and practicing responsible alcohol consumption to safeguard against potential hazards and ensure joyful celebrations.
Read more
Road Safety Tips for Holiday Travel

Road Safety Tips for Holiday Travel

As Thanksgiving weekend approaches, many embark on journeys, making it one of the busiest travel periods of the year. Whether driving to see loved ones or exploring new destinations, exercising extra caution on the road is paramount during this holiday season. By adhering to safety guidelines not only during Thanksgiving but also year-round, we can all contribute to safer travels for ourselves and fellow road users.
Read more
Turkey Fryer Safety

Turkey Fryer Safety

The National Fire Protection Association (NFPA) strongly advises against using outdoor gas-fueled turkey fryers, citing significant safety risks associated with hot oil immersion. NFPA emphasizes the potential for devastating burns, injuries, and property damage, urging consumers to opt for safer alternatives such as professional establishments or "oil-less" fryers.
Read more
Thanksgiving Kitchen Safety Tips

Thanksgiving Kitchen Safety Tips

As Thanksgiving approaches, prioritize safety while preparing your feast, as kitchen fires are a significant risk. According to the National Fire Protection Association (NFPA), Thanksgiving Day sees a substantial increase in home cooking fires, with 2021 witnessing a staggering 297% surge in incidents compared to the daily average.
Read more
Snow Plowing Liability for Completed Operations

Snow Plowing Liability for Completed Operations

For those involved in snow plowing, whether as a primary business or side venture, it's crucial to ensure adequate liability coverage, especially for completed operations, alongside comprehensive auto insurance. Recent amendments to Massachusetts laws in 2010 have heightened liability risks for property owners and snow plow contractors, underscoring the necessity of having appropriate protection measures in place.
Read more
What is Oil Spill Clean-up Coverage And Why You Should Have It

What is Oil Spill Clean-Up Coverage? Why You Should Have It.

If your home relies on a heating oil tank, ensure you explore obtaining an Escaped Liquid Fuel Endorsement, also known as Oil Remediation coverage, for your home insurance. Home insurance policies commonly exclude coverage for fuel contamination to personal property, groundwater, and neighboring properties unless you have opted for Oil Remediation coverage, which is not automatically included. Considering that not all homes are heated with oil, it's crucial to assess your insurance policy and potentially add this optional coverage to protect against potential liabilities.
Read more
Why You Need a Personal Umbrella Policy

Why You Need a Personal Umbrella Policy

Many people overlook the importance of the Personal Umbrella Policy, which offers substantial liability coverage against catastrophic losses. This policy supplements auto and homeowners insurance, providing higher limits and covering additional losses like libel or slander allegations.
Read more
Daylight Savings Time...a Good Time to Check Alarms

Daylight Savings Time…a Good Time to Check Alarms

When adjusting the clocks for Daylight Saving Time changes, remember to ensure your smoke alarms and carbon monoxide detectors are functioning correctly, as advised by fire safety officials.
Read more
Keys to Properly Insuring Your Home

Keys to Properly Insuring Your Home

Regularly reviewing and updating your insurance is essential to safeguard both your home and financial stability in the face of significant fires or other disasters. It's crucial to ensure you have adequate insurance coverage to rebuild and replace your possessions in the event of complete destruction to your home. Maintaining appropriate insurance coverage can mitigate the financial burden and help you recover from unforeseen calamities.
Read more
Halloween Safety - Part 2: Trick or Treat Tips

Halloween Safety: Trick or Treat Tips

Get ready to hear "Trick or Treat!" echoing through the spookiest days of the year. With Halloween festivities expanding beyond October 31st, communities host various events, making it essential to keep Trick or Treating and Halloween enjoyable and safe for everyone.
Read more
Halloween Safety - Part 1: Home Safety Tips

Halloween Safety: Home Safety Tips

Halloween rivals Christmas in festive spirit, evident in the elaborate decorations adorning neighborhoods. However, amidst the excitement, it's important to consider insurance implications, especially when inviting guests or driving during the festivities.
Read more
Community & Volunteer-Related Liability Loss Exposures

Community & Volunteer-Related Liability Loss Exposures

Numerous individuals encounter community and volunteer-related loss exposures, particularly if they or a family member hold leadership roles in organizations such as community, charity, religious, not-for-profit, or political groups. Such roles may entail liability for decisions or actions taken within those capacities. Engaging in volunteer work or participating in community events also presents risks like personal injury or property damage liabilities, underscoring the importance of obtaining suitable insurance coverage to mitigate potential legal and financial consequences associated with such activities.
Read more
What is Gap Insurance?

What is Gap Insurance?

When purchasing or leasing a new vehicle, it immediately depreciates in value once driven off the lot, a factor covered by standard auto insurance policies. With minimal down payments on financed purchases, the loan amount may surpass the vehicle's market worth in the initial years of ownership.
Read more
Before You Say, I Don't Need Renters Insurance..

Before You Say, I Don’t Need Renters Insurance..

According to research by the Insurance Information Institute, just 37% of renters possess Renter's Insurance, indicating that numerous individuals overlook the significant protection it offers. Without this remarkably affordable coverage, are you dismissing its benefits before fully understanding what Renter's Insurance can do for you?
Read more
Making Sure that Your Home is Properly Covered for a Disaster

Making Sure that Your Home is Properly Covered for a Disaster

Given the escalating construction prices and potential scarcity of materials and labor after disasters, it's imperative for homeowners to regularly update their insurance coverage to reflect improvements, major purchases, and increased rebuilding costs, ensuring comprehensive protection for their most valuable asset – their home. Underestimating coverage needs could leave homeowners vulnerable to financial setbacks in the event of unforeseen disasters or property damage.
Read more
U.S. Auto Insurer Claim Payouts Soar Due to Increasing Inflation

U.S. Auto Insurer Claim Payouts Soar Due to Increasing Inflation

Rising inflation has driven personal and commercial auto liability insurance costs billions higher, impacting both policyholders and insurers, according to a recent study. Despite dominating premium earnings, personal auto policies often offer significantly lower coverage limits than commercial policies, highlighting a crucial gap in protection.
Read more
Home Winter Weather Preparation Tips

Home Winter Weather Preparation Tips

As winter approaches, it's essential to take proactive steps to safeguard your home against potential ice, snow, and wind damage. Remember, starting the winterization process when the leaves change, not when snowfall begins, can significantly mitigate risks and ensure a safer, warmer, and more cost-effective living environment.
Read more
Steps to Take When Renewing Your Insurance

Steps to Take When Renewing Your Insurance

Even without filing a claim, the rising costs of insurance are surpassing inflation due to various factors such as increased repair and replacement expenses caused by labor and supply chain disruptions. Moreover, the growing frequency and severity of accidents and weather-related disasters contribute to overall rate adjustments. Our team of insurance experts can assist you in securing the appropriate coverage at a competitive rate, ensuring you receive optimal value for your insurance investment.
Read more
What's the Difference Between Auto Policy Cancellation and Non-Renewal?

What’s the Difference Between Auto Policy Cancellation and Non-Renewal?

Understanding the distinction between insurance policy cancellation and non-renewal is crucial. Discover the reasons behind potential non-renewal of your insurance policy to ensure clarity and preparedness.
Read more
Avoid a Deer vs. Car Collision

Avoid a Deer vs. Car Collision

As urban expansion encroaches on rural habitats, deer-car collisions have surged, totaling over half a million annually, with a substantial number resulting in fatalities. Particularly during the migration and mating season from October to December, deer activity spikes, tripling the risk of auto accidents involving deer, as noted by statistics from the Highway Loss Data Institute (HLDI).
Read more
Consequences of Late Insurance Payments

Consequences of Late Insurance Payments

In the whirlwind of daily life, bills can accumulate, leading to the temptation to delay payments due to budget constraints. Yet, unlike other bills, insurance premiums hold greater consequences: late payments not only impact premium costs but also affect your insurability, highlighting the importance of timely payments to maintain coverage and financial stability.
Read more
Understanding the Insurance Claim Process

Understanding the Insurance Claims Payment Process

In the aftermath of a disaster, understanding your insurance payment process is crucial for prompt recovery. Your insurer may issue multiple checks for temporary and permanent repairs, as well as replacements for damaged belongings, ensuring swift restoration to normalcy for both you and your insurance provider.
Read more
Alarming Number of Americans Unprepared for a Major Disaster

Alarming Number of Americans Unprepared for a Major Disaster

Amid peak disaster season, a recent national survey unveils that numerous homeowners are underinsured, lack comprehension of their policies, and have insufficient savings to sustain their households during emergencies.
Read more
Sewer Backup & Sump Overflow: Storm Claims Q&A

Sewer Backup & Sump Overflow: Storm Claims Q&A

Heavy storm rains and other scenarios can lead to sewage backups or basement flooding, especially if your sump pump fails during power outages. When faced with these issues, the consequences can escalate into mini disasters, emphasizing the importance of proactive measures and maintenance to mitigate potential risks.
Read more
Safe Driving Tips for Teens

Safe Driving Tips for Teens

For new drivers, safe driving isn't just about avoiding accidents—it's about saving lives and money. While advice on safe driving may seem repetitive, statistics underscore the heightened risk new drivers face, emphasizing the importance of maintaining a clean driving record to keep insurance costs affordable.
Read more
What to Do When a Hurricane Threatens

What to Do When a Hurricane Threatens

Hurricanes pose significant threats to both your family and your home's safety. Prioritize learning how to secure your surroundings and safeguard your loved ones and property when facing an impending hurricane, ensuring comprehensive protection during these dangerous storms.
Read more
Why Ordinance or Law Coverage Can be Important for Home and Business Properties

Why Ordinance or Law Coverage Can Be Important for Home and Business Properties

Understanding how changes in building codes can impact rebuilding after a loss is crucial. Without proper coverage, such as Ordinance or Law Insurance, you may face unexpected expenses not covered by basic property insurance policies, leaving you vulnerable during reconstruction.
Read more
College Students: What You Should Know about Renters and Auto Insurance

College Students: What You Should Know about Renters and Auto Insurance

As the new school year commences, college students are returning to campus and making new living arrangements, including potentially bringing a car to school. Amidst the preparation, it's crucial not to overlook insurance coverage, as the needs of students may evolve based on various factors, even if they have attended college before.
Read more
Does my Home Insurance Cover Storm Damage?

Does my Home Insurance Cover Storm Damage?

Homeowners insurance serves as a financial shield for your home and belongings during unforeseen calamities. Understanding the nuances of your coverage, including potential exclusions, becomes crucial when navigating storm-related losses under your policy."
Read more
Liability and Safety Tips for Dog Owners

Liability and Safety Tips for Dog Owners

Even typically gentle dogs can bite when scared or protective. Annually, over 4.5 million dog bites occur, and around 800,000 require medical care. Over half happen on the owner's property, contributing to a third of homeowners insurance liability claims.
Read more
8 Smart Steps for Buying Life Insurance

8 Smart Steps for Buying Life Insurance

Life insurance serves as a crucial component of financial planning, offering security and stability for your loved ones in the face of unforeseen circumstances. With proper guidance, navigating the complexities of coverage ensures you find a policy tailored to your goals and budget, safeguarding your family's future with ease.
Read more
Back to School - College Student Insurance Coverage Tips

Back to School – College Student Insurance Coverage Tips

Whether you're a college student in a dorm or an apartment dweller, or if your child is away at school, it's crucial to reassess your insurance policy for necessary updates or adjustments. Feel free to address any concerns or questions about your coverage with our Associates to ensure you're adequately protected.
Read more
Don’t be Confused about Multi-Policy Discounts

Don’t be Confused about Multi-Policy Discounts

Unlocking the potential of multi-policy discounts has never been clearer! Discover how bundling your auto and home/condo/renter policies with one insurer can lead to significant savings while streamlining your coverage needs.
Read more
Cohabiters Have Unique Insurance Coverage Issues

Cohabiters Have Unique Insurance Coverage Issues

Cohabitation typically denotes unmarried couples or roommates living together, necessitating suitable coverage for your living arrangement. While this overview outlines key considerations, individual circumstances may vary, so please reach out to us for tailored guidance from our Associates.
Read more
Insuring a Leased Car

Insuring a Leased Car

When leasing a car, purchasing your own auto insurance policy remains necessary, as the auto dealer or financing entity typically mandates collision and comprehensive coverage to protect the vehicle.
Read more
Auto Insurance for Teen Drivers

Auto Insurance for Teen Drivers

Welcoming a new driver into your family can be exciting and nerve-wracking for parents. While safety is paramount, navigating the financial implications—like soaring insurance costs and potential liabilities—requires proactive steps to ease the stress and ensure peace of mind.
Read more
How to prepare for Hurricane Season.

How to Prepare for Hurricane Season

Prepare ahead to mitigate the devastating effects of hurricanes, which not only pose a threat to property but also to lives. Starting preparations before the storm's imminent arrival is crucial, as waiting until a hurricane watch is issued might leave you with limited options for safeguarding.
Read more
Pool Safety

Pool Safety

Whether you own a luxurious in-ground pool or opt for an inflatable kiddie pool, prioritizing safety is paramount. With approximately 7.4 million swimming pools and five million hot tubs in residential or public use across the United States, according to the Centers for Disease Control and Prevention (CDC), it's crucial to note the alarming statistics: over 3,400 fatal unintentional drownings occur annually, with more than one out of five victims being children aged 14 or younger.
Read more
https://www.dfmurphy.com/blog/pool-safety/

Self-Storage Facilities: Insurance and Safety Tips for Storing your Stuff

Ensure your insurance coverage extends to off-premises locations, safeguarding against theft and damage from perils outlined in your homeowners or renters policy. Whether you're utilizing self-storage units to streamline your living space or for other purposes, adequate insurance coverage remains paramount in financially shielding your belongings wherever they may be stored.
Read more
Flood Insurance: Storm Claims Q&A

Flood Insurance: Storm Claims Q&A

Many underestimate flooding's potential, but heavy rainstorms or hurricanes can cause severe damage. Floods can occur not only near rivers and lakes but also in low-risk areas due to various factors, prompting discussion on the value of flood insurance for individuals.
Read more
Prepare an Emergency Roadside Kit: Tips for Safe Driving

Prepare an Emergency Roadside Kit: Tips for Safe Driving

Having an emergency roadside kit on hand can be a lifesaver in times of vehicular distress. A cell phone stands out as your lifeline for summoning assistance quickly. Paired with items like a first aid kit, flashlight, and essential repair tools, you'll be well-prepared to navigate any unexpected roadside challenges.
Read more
Fallen Trees - Storm Claims Q&A

Fallen Trees: Storm Claims Q&A

After a severe storm or hurricane, downed trees are a common sight in your vicinity, with home/property insurance usually offering limited coverage, insufficient for the potential damage from a falling tree.
Read more
Does Home Insurance Cover Mold?

Does Home Insurance Cover Mold?

Homeowners insurance offers mold damage coverage, but not in every case, as it depends on the cause and circumstances. While standard policies typically include limited coverage, additional coverage options are advisable, given the potential for mold to develop unnoticed, exceeding basic policy limits.
Read more
Practice Good Driving Habits: Tips for Road Safety

Practice Good Driving Habits: Tips for Road Safety

In the pursuit of safe driving, whether you're a seasoned driver or just starting, it's crucial to stay mindful of good habits and remain vigilant on the road. Remember to share the road responsibly with vulnerable users like motorcyclists, bicyclists, and pedestrians, prioritize eliminating distractions, and ensure everyone buckles up for every trip.
Read more
Lightning Safety: 10 Myths—and the Facts

Lightning Safety: 10 Myths—and the Facts

Know the truth about lightning dangers to stay safe in a storm; "When thunder roars, go indoors!" holds true, but many common myths about lightning pose risks. Familiarize yourself with the facts to ensure safety for you and your loved ones during storms.
Read more
How Often Should I Review My Insurance Policy?

How Often Should I Review My Insurance Policy?

Regularly reviewing your insurance policy, especially after significant life events like home renovations, marriage, or major purchases, ensures it's tailored to your current needs and offers sufficient protection. These periodic check-ins provide peace of mind, ensuring your coverage aligns with your evolving circumstances.
Read more
4th of July and Summer Fun Safety

4th of July and Summer Fun Safety

Independence Day festivities typically include fireworks, barbecues, and outdoor activities, while summer celebrations call for similar precautions to ensure safety during the fun-filled occasions. Whether it's July 4th or any other warm-weather gathering, here are some essential safety tips to keep in mind.
Read more
Protect Your Kids: Tips for Safe Driving

Protect Your Kids: Tips for Safety In and Around Your Car

A comprehensive guide to child safety during travel urges caregivers to prioritize proper car seat installation and awareness of potential hazards like heat stroke and blind zones. For essential resources on selecting and inspecting car seats and tips on navigating long journeys with children, consult the NHTSA's invaluable Child Safety Information hub.
Read more
Safe Boating Checklist

Safe Boating Checklist

Enjoying time on the water is exhilarating, yet it demands responsibility and caution for safety. Utilize this boating safety checklist, regardless of your experience level, to ensure preparedness and safety while navigating.
Read more
Why are Home Insurance Premiums Going Up?

Why are Home Insurance Premiums Going Up?

We often encounter the question: "Why are home insurance premiums increasing?" Various factors can contribute to individual policy hikes, yet current market dynamics are driving up prices across the insurance sector.
Read more
Boat Insurance and Safety

Boat Insurance and Safety

Learn how to safeguard your vessel, yourself, and your passengers at sea. Delve into boat safety essentials and the importance of securing proper insurance coverage for smooth sailing and peace of mind on every voyage.
Read more
Grilling Safely

Grilling Safely

Every year, millions of Americans enjoy outdoor barbecues, but accidents can occur. According to the U.S. Fire Administration, approximately 5,700 grill fires occur annually, causing $37 million in damage, along with 100 injuries and 10 deaths, mostly due to malfunctioning gas grills, while thousands suffer burns requiring emergency room visits.
Read more
Before You Hit the Road: Tips for Vehicle Maintenance

Before You Hit the Road: Tips for Vehicle Maintenance

As Memorial Day marks the start of summer, the excitement for family road trips begins. Before embarking on your adventure, ensure your vehicle is road-ready with essential checks like tire pressure, fluid levels, and the condition of belts and hoses.
Read more
Buying Disability Insurance

Buying Disability Insurance

In today's uncertain world, ensuring our financial stability is crucial, with disability insurance often overlooked in this protection. Understanding its significance is vital, as unforeseen accidents or illnesses can jeopardize our ability to work and earn income. This blog post explores the intricacies of purchasing disability insurance, providing insights and key considerations to empower informed decisions in safeguarding your livelihood.
Read more
Motorcycles are Everywhere...Share the Road

Motorcycles are Everywhere…Share the Road

Motorcycle rider deaths made up 14% of all motor vehicle crash fatalities in 2018, with 4,985 lives lost despite a 5% decrease from the previous year, mainly occurring during the summer months. Motorists can improve safety by understanding motorcyclists' challenges, such as visibility issues, and practicing habits like proper mirror use and signaling when changing lanes.
Read more
Do You Really Know What You Have in Your House? Tips for Creating a Home Inventory

Do You Really Know What You Have in Your House? Tips for Creating a Home Inventory

Creating an inventory of all your possessions may feel daunting amidst our hectic schedules and abundance of belongings. However, this step ensures adequate insurance coverage for your personal property and expedites claim settlement, increasing the likelihood of reimbursement in case of loss.
Read more
Car Care Tips

Car Care Tips

In this guest blog post by Tom Ricci from Body and Paint Center of Hudson, readers are provided with essential tips on car care to prevent accidents and extend the life of their vehicles. From regular oil filter changes to tire inflation checks and engine tune-ups, these simple preventive measures not only ensure safer operation but also contribute to better fuel efficiency and environmental sustainability.
Read more
Cyclist Protection Tips

Cyclist Protection Tips

Cycling amidst traffic exposes you to risks beyond physical injury; financial impacts can also occur in accidents. Ensure you and your loved ones have adequate protection in case of unforeseen incidents.
Read more
Hurricane Season Insurance Checklist

Hurricane Season Insurance Checklist

Do you have a checklist for reviewing your insurance coverage? With hurricane season underway, it's an opportune moment to ensure your homeowners or renters insurance is up to date. The Insurance Information Institute offers a convenient list to guarantee you're adequately prepared for any potential storms.
Read more
Does Your Auto Insurance Policy Cover a Rental Car While Traveling?

Does Your Auto Insurance Policy Cover a Rental Car While Traveling?

Renting a car comes with insurance complexities, impacted by factors like travel location and rental agreements. While your Massachusetts Auto Policy may offer some coverage, understanding rental terms and potential gaps is crucial before hitting the road.
Read more
Weighing the Pros and Cons of Travel Insurance

Weighing the Pros and Cons of Travel Insurance

Travel insurance is a vital consideration for travelers, offering protection from various unforeseen events such as trip cancellations, medical emergencies, and lost belongings. While it can be particularly beneficial for adventure travelers or those with pre-existing health conditions, it's essential to weigh the potential benefits against the cost and exclusions of the policy, ensuring you make an informed decision before your next trip.
Read more
Reasons to Purchase Permanent Life Insurance

Reasons to Purchase Permanent Life Insurance

A permanent life insurance policy offers lifelong protection, paying out a death benefit whether you pass away tomorrow or live to be a centenarian, while also accumulating savings on a tax-deferred basis. Although premiums for permanent insurance are typically higher compared to term insurance due to the savings component, they remain fixed, unlike term insurance where premiums can significantly increase upon renewal.
Read more
Mitigate your Sewer Back-Up Loss Exposure

Mitigate your Sewer Back-Up Loss Exposure

Homeowners can mitigate sewer backup risks by avoiding disposing of grease, paper towels, diapers, or other refuse down toilets or sinks, as these can cause pipe clogs. Additionally, it's crucial to hire a licensed plumber to remove any connections between flood control systems and the sewer main, while considering installing a backflow-prevention device to prevent sewage from flowing back into the home, thereby safeguarding against potential water and sewage backup losses.
Read more
April is Distracted Driving Awareness Month

April is Distracted Driving Awareness Month

Distracted driving remains a significant threat on the roads, with distracted driving-related crashes claiming the lives of at least eight individuals daily, according to the National Highway Traffic Safety Administration. As April marks Distracted Driving Awareness Month, take this opportunity to evaluate your driving habits and commit to making responsible choices to ensure the safety of yourself and others on the road.
Read more
10 Tips for What to Do at an Accident Scene

10 Tips for What to Do at an Accident Scene

In the event of an accident, staying calm is essential for managing the situation effectively. Remember to prioritize safety by checking for injuries, calling the police, and exchanging necessary information with the other driver, while also documenting the scene and contacting your insurance provider promptly to initiate the claims process and ensure assistance during this stressful time.
Read more
Insurance Checklist for Getting your Motorcycle Back on the Road

Insurance Checklist for Getting your Motorcycle Back on the Road

As spring breathes life back into the roads, motorcycle enthusiasts eagerly prepare to revive their bikes for another season of adventure. Amidst the tune-ups and polish, don't forget to ensure your insurance coverage is up-to-date and tailored to your current needs, safeguarding your excitement with comprehensive protection on and off the road.
Read more
Protect Yourself Before, During & After a Blizzard

Protect Yourself Before, During & After a Blizzard

As resilient as Northeasterners are in the face of snow, preparing for a blizzard requires more than just resolve—it demands readiness. Stay informed, stock up on essentials, and ensure your home is equipped with heating fuel and emergency supplies, because when it comes to blizzards, proactive preparation is key to weathering the storm
Read more
InControl Advanced Driver Training

In Control Advanced Driver Training Program

Enhance your driving skills and save money with the In Control Advanced Driver Training program, offering potential savings of over 10%. This training opportunity provides various avenues for cost reduction, making it a valuable investment for safer driving.
Read more
New Year Traditions and Superstitions

New Year Traditions and Superstitions

As we bid farewell to the old and welcome the new, the New Year's holiday brings forth a tapestry of traditions and customs from around the world. From the iconic descent of the New Year's Eve Ball in Times Square to the belief in wearing red underwear for luck in Italy, each tradition carries its own unique significance, weaving together a rich cultural fabric as we embrace the promise of a fresh start.
Read more
Start Your Engines - MA Low Plate Lottery 2022

Start Your Engines – MA Low Plate Lottery 2022

Are you vying for the coveted low-number license plate in Massachusetts? Now's your chance! With the MA RMV's annual Low Plate Lottery now open for applications, residents have the opportunity to secure one of the 198 available plates, provided they meet the eligibility criteria and abide by the rules outlined by MassDOT.
Read more
How to Stop Receiving Mail Addressed to a Deceased Person

How to Stop Receiving Mail Addressed to a Deceased Person

Dealing with mail addressed to a deceased loved one can be emotionally challenging and logistically frustrating. Whether you're the Executor of their estate or simply a resident who shared their address, there are steps you can take to minimize the influx of such mail, from registering the deceased on the Deceased Do Not Contact List to requesting mail forwarding or contacting organizations directly to inform them of the death. Remember to handle such mail respectfully, as opening someone else's mail without legal authorization is a federal offense.
Read more
Flood Insurance Issues for Home Sellers and Buyers

Flood Insurance Issues for Home Buyers & Sellers

For those selling or buying homes, it's crucial to note the updates to the NFIP and revised flood insurance rates starting April 1, 2015. These changes affect property owners or buyers in flood zones or areas newly designated as Special Flood Hazard Areas due to updated flood maps.
Read more
How to Prevent Ice Dams

How to Prevent Ice Dams

Prepare yourself for winter's worst nightmare: ice dams. While prevention is key, having a plan in place is crucial for dealing with these roofing woes.
Read more
Prevent Flooding from Snow Melt

Prevent Flooding from Snow Melt

Snow has a high water content, posing flood risks if not managed properly. Implementing preventive measures can effectively mitigate potential flood issues caused by snow accumulation.
Read more
Is Your House Properly Winter-Proofed? Good Maintenance Can Prevent Damage to Your Home

Is Your House Properly Winter-Proofed? Good Maintenance Can Prevent Damage to Your Home

Prepare for winter by ensuring your insurance coverage is adequate for potential damages caused by snow, ice, and cold weather. Take preventive measures such as cleaning gutters, insulating pipes, and servicing heating systems to minimize risks and protect your property.
Read more
Take the Scream Out of Halloween by Having the Right Type and Amount of Insurance Coverage

Take the Scream Out of Halloween by Having the Right Type and Amount of Insurance Coverage

Ensure a spook-free Halloween by taking reasonable precautions to protect your property and visitors, suggests the Insurance Information Institute (I.I.I.). From well-lit walkways to raised liability limits, these measures not only keep the festive spirit alive but also provide financial security against potential mishaps.
Read more
COVID Lessons About Life and Insurance

COVID Lessons About Life and Insurance

Amidst the upheaval caused by the COVID pandemic, many are reevaluating their priorities, with a significant uptick in inquiries and purchases of life insurance reflecting a newfound focus on protecting loved ones. As concerns about the unforeseen rise, it's crucial to understand that obtaining life insurance remains accessible, provided transparency about health conditions during the application process, reinforcing the importance of securing coverage early on.
Read more
Murphy Insurance offices open to visitors on June 1, 2021

Murphy Insurance Offices Open to Visitors on June 1, 2021

We are excited to announce that our offices are reopening on June 1, 2021, prioritizing visitor safety. Remote options are encouraged for efficiency, with limited in-person visits requiring appointments. Safety measures include mask requirements, social distancing, and hygiene protocols.
Read more
Toys for Tots Drive - good image

Toys for Tots 2020 Needs Your Help!

Due to the COVID-19 pandemic, our offices can't host our annual Toys for Tots toy drop-off. Despite this setback, we urge you to support Toys for Tots at local drop-off points. Consider making your donation early to ensure toys reach children in need by December 9th.
Read more
Prepare Your Home for Old Man Winter

Prepare Your Home for Old Man Winter

Prepare your home for winter by scheduling chimney and furnace inspections to prevent fire hazards. Additionally, ensure your plumbing system is well-maintained to avoid burst pipes, and address any roofing issues before the snowfall to prevent costly damages that may exceed your insurance deductible.
Read more
Murphy Insurance Logo Big

COVID-19 Update Message from Dennis Murphy Regarding RMV Backlog

Get the latest update from Dennis F. Murphy III regarding customer assistance and service amid the ongoing COVID-19 pandemic by watching the video on YouTube.
Read more
Insuring Your Classic Car

Insuring Your Classic Car

For owners of classic, custom, collectible, or antique cars, standard auto insurance may not provide adequate protection. Specialized coverage tailored to the unique value and usage of these vehicles is essential to ensure comprehensive protection against damage or loss.
Read more
Boat Insurance - Make Sure You’re Covered on the Water

Boat Insurance – Make Sure You’re Covered on the Water

Boat insurance is essential for protecting yourself and your loved ones, especially with unregistered boaters. While smaller watercraft may get limited coverage under homeowner policies, larger boats need separate, comprehensive insurance for adequate protection. Discuss coverage options with your agent to avoid gaps in protection.
Read more
Personal Auto Insurance COVID-19 Premium Return

Personal Auto Insurance COVID-19 Premium Return

Insurance companies seek DOI approval for auto premium credits/refunds due to reduced usage during COVID-19. Policyholders await carrier details post-approval. Insurers also offer payment flexibility to aid financially strained individuals; assistance is accessible through the insurance company or Murphy Insurance Agency.
Read more
Auto Insurance Issues Created by COVID-19 Crisis: Deliveries & Students Home Early

Auto Insurance Issues Created by COVID-19 Crisis: Deliveries & Students Home Early

COVID-19's impact on daily life raises auto insurance concerns. Delivery work requires policy updates for "business use." College students returning home may need garaging location adjustments or driver re-inclusion. Contact us promptly for necessary policy changes to ensure proper coverage during these uncertain times.
Read more
COVID-19 FAQs: Payments & RMV Questions

COVID-19 FAQs: Premium Payments & RMV Questions

During the COVID-19 crisis, many insurers are offering payment flexibility for those facing financial difficulties. Contact your insurer or Murphy Insurance for assistance. Regarding Registry of Motor Vehicles issues, note the strict no walk-in policy; appointments must be made online for in-person transactions.
Read more
Covid-19 - Insurance Related FAQs

Covid-19 – Insurance Related FAQs

During COVID-19, Murphy Insurance remains open with closed offices. Our staff assists via phone, email, or online, adapting quickly to any mandated measures for seamless service. Reach out directly for prompt assistance and updates on operational changes.
Read more
New Massachusetts Hands-Free Cell Phone Driving Law: What You Need to Know

New Massachusetts Hands-Free Cell Phone Driving Law: What You Need to Know

To curb distracted driving and enhance safety, the new law, "An Act Requiring the Hands-Free Use of Mobile Telephones While Driving," prohibits handheld cellphone and electronic device use while driving, effective February 23, 2020. It's essential to prepare and adjust habits.
Read more
5 Tips for Disaster-Free Festivities

5 Tips for Disaster-Free Festivities

As the holiday season approaches, the Insurance Information Institute urges prioritizing family, friends, and festivities while remaining vigilant against potential hazards like fire, theft, accidents, and other mishaps. By following five key safety tips, including fire prevention measures, identity protection, home security strategies, responsible party hosting, and safe driving practices—especially in winter conditions—we can ensure a joyful and secure celebration for all.
Read more
Safe Travels on Thanksgiving

Safe Travels on Thanksgiving

As Thanksgiving approaches, remember that road safety is paramount during this busy travel period. Take precautions such as checking tire pressure, buckling up, leaving early, obeying speed limits, avoiding distractions, and never driving under the influence to ensure a safe and enjoyable holiday journey.
Read more
Massachusetts Drivers Be Aware of New "Move Over Law"

Toys for Tots Drive 2019…Please Donate by December 10

Join Murphy Insurance in spreading holiday cheer by dropping off new, unwrapped toys, books, or homemade gifts at any of our seven locations for Toys for Tots. Remember, the deadline for donations is December 10th, ensuring the Marines have time to deliver them to families in need before the holiday season.
Read more
What is Oil Spill Clean-Up Coverage? Why You Should Have It

Why You Should Have Oil Spill Clean-Up Coverage

Ensure your home is protected from potential oil spills with an "Escaped Liquid Fuel Endorsement," providing coverage for fuel contamination to your property and beyond. Don't risk costly out-of-pocket expenses—contact Murphy Insurance to discuss securing this essential coverage for your peace of mind.
Read more
Carbon Monoxide Detectors...It’s the Law!

Carbon Monoxide Detectors…It’s the Law!

In 2006, Massachusetts enacted "Nicole's Law" after 7-year-old Nicole Garofalo's tragic death from carbon monoxide poisoning. Despite its importance, many homes still lack mandated CO detectors, posing risks. Compliance remains low despite legal requirements for detectors in homes with fossil-fuel appliances or enclosed parking.
Read more
Deer Collision Risk Peaks in November and December

Deer Collision Risk Peaks in November and December

Encountering a deer on the road can evoke the "deer in the headlights" moment, highlighting the abruptness of the situation. With collisions being more prevalent from October to December due to increased deer activity, cautious driving is paramount to avoid accidents.
Read more
Social Host Liability: Serving Alcohol at a Party? Be a Responsible Host

Social Host Liability: Serving Alcohol at a Party? Be a Responsible Host

Social host liability laws, often referred to as "Dram Shop Liability," are present in 43 states and offer recourse for injured parties, such as victims of drunk driving incidents, to sue those who served alcohol. Understanding these laws and taking precautions can help hosts mitigate their liability risks and ensure a safer environment for all guests.
Read more
Motorcycles: Properly Insuring Your Bike

Motorcycles: Properly Insuring Your Bike

Prepare for motorcycle season with comprehensive coverage. Ensure your policy includes protection for custom bike equipment, gear, and injuries, including coverage for bodily injury to guests and yourself by uninsured or underinsured motorists.
Read more
What is personal watercraft insurance? Personal watercraft (known by brand names like Jet Skis, Sea-Doos or WaveRunners) can be lots fun on the water. But, like any moving vehicles, they are subject to accidents and it’s wise to get the proper insurance to protect yourself financially.

Stay Safe: Don’t Let an Accident Ruin Your Fun Out on the Water

Discover the importance of personal watercraft insurance in ensuring financial protection for accidents on the water. Unlike homeowners insurance, specialized PWC coverage safeguards against bodily injury, liability, property damage, theft, and more, tailored to your needs and watercraft usage.
Read more
Is the Protection You Have for Your Watercraft Underwater?

Is the Protection You Have for Your Watercraft Underwater?

As spring brings vibrant blooms, many consider buying boats. However, homeowners policies often don't cover high-value or large boats. Contact us before purchasing to ensure proper coverage and avoid being "underwater" with inadequate insurance.
Read more
Most Stolen Cars in 2013

Top 10 Most Frequently Stolen Vehicles 2017

In 2017, the Honda Civic ranked as the most stolen passenger vehicle, tallying 45,062 thefts across all model years, per the NICB. The majority of these thefts targeted older models lacking modern anti-theft technology.
Read more
12 Steps for Locating a Lost Life Insurance Policy

12 Steps for Locating a Lost Life Insurance Policy

Discover effective strategies for locating life insurance documents of a deceased relative, from searching through files and contacting financial advisors to reviewing tax returns and utilizing state resources such as insurance departments and unclaimed property offices.
Read more
How To Protect Your Home From Water Damage 1200x628

How To Protect Your Home From Water Damage

Various insurance policies cover different types of water damage, with homeowners and renters insurance typically including protection for burst pipes, wind-driven rain, and damage from roof ice dams. While standard policies may cover top-down water sources like rainfall, additional coverage such as sewer backup riders may be necessary for certain situations.
Read more
Understanding Your Insurance Deductibles

Understanding Your Insurance Deductibles

In the event of a home disaster or car accident, the deductible represents the amount you're responsible for covering and is deducted from your claim payment. Understanding how deductibles function can help avoid unexpected expenses and lead to savings.
Read more
5 Tips for Solid Auto Insurance Coverage

5 Tips for Solid Auto Insurance Coverage

While car insurance typically covers vehicle damage, the most significant financial risk lies in injuring others without adequate Bodily Injury to Others coverage. Since accidents and their severity are unpredictable, ensuring sufficient coverage is crucial to safeguard against potential liabilities arising from injuries.
Read more
Rewrite the following blog post excerpt into two sentences in 50 words or less:

How Often Should Jewelry or Other Scheduled Valuable Appraisals be Updated?

For high-value items like jewelry, antiques, and fine art separately covered on your home policy, providing appraisals or receipts establishes insurance limits. While initial valuations may seem sufficient, it's essential to periodically update appraisals due to potential shifts in values over time.
Read more
E-Signature Via DocuSign Makes Doing Business With Us Even More Convenient

E-Signature Via DocuSign Makes Doing Business With Us Even More Convenient

Murphy Insurance strives to enhance convenience, now providing electronic signature options through DocuSign for many personal insurance forms, streamlining your experience. DocuSign, a leader in e-signature technology, ensures efficient processing for your insurance needs.
Read more
MA RMV Closed and No RMV Services For 3 Days Starting March 22 at 7PM

MA RMV Closed and No RMV Services For 3 Days Starting March 22 at 7PM

From Thursday, March 22, 2018 at 7 p.m. until Monday, March 26, 2018 at 8 a.m., the MA Registry of Motor Vehicles will be closed for a technology upgrade to meet federal security standards. During this period, non-public safety services will be unavailable, and no transactions will be processed.
Read more
New MA Real ID & Driver's License Documentation Requirements Starting March 26, 2018

New MA Real ID & Driver’s License Documentation Requirements Starting March 26, 2018

Starting March 26, Massachusetts requires documentation of U.S. Citizenship or lawful presence for any driver’s license, ID, or learner’s permit renewal or issuance. Four documents are necessary to confirm your Social Security Number, Date of Birth, and Residency.
Read more
Settling Insurance Claims After a Disaster

Settling Insurance Claims After a Disaster

Read more
Murphy Insurance Logo Big

Who We Are…Learn a Little More About Murphy Insurance

Celebrating 80 years, Murphy Insurance's longevity speaks volumes about our dedication to customer care and satisfaction. To our existing customers, we extend our heartfelt gratitude for your continued trust and support.
Read more
What Affects the Cost of Your Auto Insurance?

What Affects the Cost of Your Auto Insurance?

Our approach to finding you the best auto coverage at the best price involves understanding various detailed factors. From the car you drive to where you live, your driving record, and potential discounts, we ensure you get tailored coverage that suits your needs and budget.
Read more
Meet Our Toys for Tots Champion…Dawn Penzone 1200x628

Meet Our Toys for Tots Champion…Dawn Penzone

The 2017 Toys for Tots drive at Murphy Insurance is progressing smoothly as the donation collection deadline of December 11th approaches rapidly. For many years, Murphy Insurance has been a dedicated toy collection site in support of the Marines' Toys for Tots program, providing valuable assistance to children and families in need.
Read more
We're Celebrating Our 80th...Stop by December 5th - 7th 1200x628

We’re Celebrating Our 80th…Stop by December 5th – 7th

It's hard to believe that we've been serving Massachusetts and beyond for 80 years! We feel lucky to be part of the community and are having appreciation days on December 5th - 7th.
Read more
Toys for Tots Drive - good image

Toys for Tots Drive 2017…Please Donate by December 11

Make the holidays brighter for children in need by participating in our Toys for Tots drive—drop off a new, unwrapped toy at any of our seven locations in Bolton, Groton, Harvard, Hudson, Marlborough, Mendon, and Medway by December 11th. Your contributions will support this meaningful cause, ensuring the Marines have ample time to distribute the gifts.
Read more
Thanks and Please Be Safe In the Kitchen & On the Road 1200x628

Thanks and Please Be Safe In the Kitchen & On the Road

During this season of gratitude, we extend our heartfelt appreciation to everyone who has contributed to our continued success. We're especially grateful to our customers for entrusting Murphy Insurance Agency with the responsibility of serving you, and we remain dedicated to safeguarding your family, business, and valued possessions.
Read more
Equifax Breach - Freezing Your Credit May Impact Your Insurance 1200x628

Equifax Breach – Freezing Your Credit May Impact Your Insurance

The ongoing coverage of the substantial Equifax data breach highlights its significance. With over 143 million American consumers potentially affected, if you possess a credit report, you may be among those whose sensitive personal information was compromised.
Read more
Uber, Lyft and Other TNC Drivers...New Endorsement Covers Insurance Gap 1200x628

Uber, Lyft and Other TNC Drivers…New Endorsement Covers Insurance Gap

Once you sign into a Transportation Network Company (TNC) app, your personal auto insurance ceases coverage for vehicle damage, property damage, bodily injury, and most other protections. Insurance policies provided by TNCs usually offer only limited coverage from logging into the app until picking up a fare.
Read more
Flood Cars: How to Avoid Purchasing a Washed-Up Vehicle

Flood Cars: How to Avoid Purchasing a Washed-Up Vehicle

Floods, like other natural disasters, can inflict significant damage on properties and vehicles. Unfortunately, flood-damaged vehicles present a tempting opportunity for criminals seeking to defraud unsuspecting consumers.
Read more
80 Years Young...80 Years Strong

80 Years Young…80 Years Strong

In Fall 2017, we celebrated our 80th year in business, reflecting on the contributions of our customers, employees, family, and insurance company partners to our success. Gratitude is extended for the trust and relationships cultivated over the years, which have been integral to our journey.
Read more
In Case of a Flood 1200x628

In Case of a Flood

In the event of a flood, it is critical to protect yourself, your family, and your property. To do so, there are many preventative and protective measures you can take.
Read more
Massachusetts Drivers Be Aware of New "Move Over Law"

6 Tips to Mitigate Potential Water Damage

Amidst nationwide weather turmoil and escalating water damage claims due to torrential rains and flooding, coupled with mechanical breakdowns, protecting your home becomes paramount. Explore essential measures to fortify your home against these impending disasters.
Read more
Uber, Lyft and Other TNC Drivers...New Endorsement Covers Insurance Gap 1200x628

Insurance for Uber, Lyft and Other TNC Drivers – Close the Gaps

Good news for Uber, Lyft, or other Transportation Network Company (TNC) drivers: certain insurance carriers now provide personal auto insurance policy endorsements, addressing coverage gaps. Plymouth Rock Assurance and Mapfre Insurance are among the companies offering these endorsements, bridging the insurance gap for TNC drivers.
Read more
Lawnmower Safety 1200x628

Lawnmower Safety

Annually, about 75,000 individuals sustain injuries from lawnmowers necessitating emergency room care, with the majority attributed to human error rather than mechanical malfunction.
Read more
Update - Movie Filming in Downtown Hudson, May 2017

Update – Movie Filming in Downtown Hudson, May 2017

Excitement mounts in Downtown Hudson for the filming of "Who Do You Think Would Win?". Amid logistical adjustments in parking and sidewalk closures, Murphy Insurance assures customers of normal operations, offering assistance via phone or at alternative offices.
Read more
Hollywood Comes To Hudson...May 2017

Hollywood Comes To Hudson…May 2017

It's official: Downtown Hudson, MA, will host the feature film "Who Do You Think Would Win?" Filming is set for May 1st to 3rd along Main Street and Washington Street, 7 AM to 10 PM. Despite downtown excitement, we're here to assist you; parking may require additional time, but options are available on side streets.
Read more
There's a Fire at Your Apartment. Are You Insured? 1200x628

There’s a Fire at Your Apartment. Are You Insured?

Without renters' insurance, you lack coverage for fires or other losses. Take a moment to consider news reports of apartment fires in Massachusetts and ask yourself how you would cope and recover if faced with a similar situation.
Read more
NFPA Encourages Prompt Disposal of Christmas Trees and Safe Removal of Lights

NFPA Encourages Prompt Disposal of Christmas Trees and Safe Removal of Lights

If you're hesitating to remove your Christmas tree, consider this: Nearly 40% of U.S. home fires involving Christmas trees happen in January. The NFPA urges prompt removal of trees after the holiday season to prevent fire hazards.
Read more
All Electronic Tolling on Mass Pike - October 28

All Electronic Tolling on Mass Pike – October 28

Effective October 28, 2016, the Massachusetts Turnpike (Route 90) ceased accepting cash for tolls, eliminating toll booths at exits. For those who don't frequently travel on the Turnpike, here's a summary to ensure you stay informed about these changes.
Read more
Summer Storm Resources to Help Mitigate Risks

Summer Storm Resources to Help Mitigate Risks

Summer across the United States often brings a range of severe weather conditions, from hailstorms and thunderstorms to high winds, flooding, lightning, and tornadoes. Taking proactive steps to mitigate damage is essential, and ensuring you have appropriate insurance coverage can provide protection for both personal and business needs in unavoidable loss situations.
Read more
Pokémon Go App Takes Millions of Players to Exciting New Worlds

Pokémon Go App Takes Millions of Players to Exciting New Worlds; Insurance Can Help Make Those Worlds (and This One) Safer

Pokémon Go quickly gained global popularity, surpassing Twitter's user count in a matter of days, while also causing unintended consequences such as injuries and property damage, most of which are reportedly covered by insurance, according to the Insurance Information Institute (I.I.I.).
Read more
Cover Personal Injury Loss Exposures

Cover Personal Injury Loss Exposures

Homeowners policies typically exclude personal injury claims like defamation unless a personal injury endorsement is attached. Manage these risks by monitoring social media activity, educating family members on online conduct, and considering additional coverage options like personal umbrella policies for comprehensive protection.
Read more
Be Lighting Safe...Include a Lightning Protection System in your Building or Remodeling Plans

Be Lightning Safe…Include a Lightning Protection System in your Building or Remodeling Plans

Installing a lightning protection system is a valuable investment when constructing, renovating, or repairing homes. Homeowners insurance typically covers lightning-related damages, while some policies extend coverage to power surge damages resulting from lightning strikes.
Read more
Mitigate Rental Property Coverage Gaps

Mitigate Rental Property Coverage Gaps

Homeowners can rent property to tenants regularly, and it's crucial for them to take protective measures for their rental investments. Here are some recommendations and tips for those who continuously rent out residential property.
Read more
Dog Bites Accounted for More than 1/3 of All Homeowner Liability Payouts Last Year

Dog Bites Accounted for More than 1/3 of All Homeowner Liability Payouts Last Year

In 2015, dog bites and related injuries comprised over a third of all liability claim payouts in homeowners insurance. Despite a 7.2 percent decrease in nationwide dog bite claims, the average cost per claim surged by 16 percent.
Read more

Why You Need Uninsured Motorists Coverage

When purchasing automobile insurance, being well-informed is essential for making intelligent decisions due to the various factors involved. One critical decision is whether to invest in uninsured motorists (UM) and underinsured motorists (UIM) coverage.
Read more
Checklist

Home Insurance Checklist…Getting the Best Value

To ensure excellent home insurance coverage, prioritize value over price. Understanding the essential components of a comprehensive insurance plan for your home, valuables, and liability is crucial whether you're a new homeowner or have owned your home for some time.
Read more
House to Consider Legislation Regulating Transportation Network Companies Ride for Hire

House to Consider Legislation Regulating Transportation Network Companies for Ride-for-Hire

The House of Representatives is set to deliberate on legislation proposed by the Financial Services Committee, aimed at regulating Transportation Network Companies (TNCs) such as Uber and Lyft. The proposed legislation establishes a new regulatory division, Ride For Hire, within the Department of Public Utilities, responsible for overseeing TNCs and their drivers, ensuring compliance with insurance requirements and background checks.
Read more
Be Aware of Uber and Airbnb Insurance Gaps

Be Aware of Uber and Airbnb Insurance Gaps

Earning from services like driving for Uber or renting out your home on Airbnb can be appealing, but standard personal auto and home insurance policies do not provide coverage for these activities, potentially leaving you exposed to significant gaps in coverage in the event of an accident. It's essential to explore specialized insurance options tailored to these ventures to ensure adequate protection for your assets and liabilities.
Read more
Managing Insurance Costs...Understanding Deductibles, Frequency and Severity

Managing Insurance Costs…Understanding Deductibles, Frequency and Severity

Effectively managing insurance costs extends beyond coverage limits, options, and premiums; it includes evaluating the deductibles you're comfortable paying out of pocket.
Read more
Murphy Insurance Logo Big

Murphy’s Corner…Delivering Value For You

If you haven't heard it often, we want to express our sincere gratitude for your business. Choosing Murphy Insurance means entrusting us with safeguarding what matters most in your life, whether personal, business, or both, and we are committed to delivering excellent value consistently.
Read more
Fending Off Home Burglars

Fending Off Home Burglars

In America, a home burglary happens every 13 seconds, emphasizing the importance of taking preventive measures. Homeowners can significantly lower their risk of falling victim to this crime by implementing various security measures.
Read more
Get Proper Protection for your Home Business

Get Proper Protection for your Home Business

With the accessibility of affordable technology, home-based businesses are on the rise. However, operating a business from home alters the risk factors and characteristics of your residence in the eyes of your homeowners insurance provider.
Read more
Are You Covered When You Borrow Someone's Car?

Are You Covered When You Borrow Someone’s Car?

Borrowing or driving a friend's car is common, yet we often overlook coverage considerations. It's important to be aware of exclusions and conditions in auto policies, particularly regarding "regular use" and "business use" coverage issues.
Read more
Establish Online Precautions and Rules for Kids

Establish Online Precautions and Rules for Kids

The Internet offers immense opportunities for communication and learning, yet it's vital for children to prioritize safety and precautionary measures. Children and teenagers often underestimate online risks, like the potential for libel or cyberbullying, exemplified by an ongoing lawsuit against thousands of Twitter users for spreading defamatory claims.
Read more
Is Insurance a Commodity?

Bump Up that Deductible!

Insurance consumers often seek ways to cut costs on personal lines insurance, but not all approaches are prudent. Requests for reductions in dwelling or liability limits on homeowners or auto insurance policies may seem tempting, but they often carry significant risks, particularly in liability situations such as auto accidents or injuries on your property, where substantial losses could occur if a judgment goes against you.
Read more
Exercise Care on Freeways

Exercise Care on Freeways

Automobile accidents are a leading cause of death in the United States, especially among children and young adults, as reported by the National Highway Traffic Safety Administration. Many of these fatalities occur on freeways and highways, due to the high speeds involved.
Read more
Avoid Those Cell Phones While Driving

Avoid Those Cell Phones While Driving

According to the National Highway Traffic Safety Administration (NHTSA), nearly 700,000 drivers in the United States use cell phones or manipulate electronic devices while driving during daylight hours. In 2012, there was a 9 percent increase from the previous year, resulting in an estimated 421,000 injuries in auto accidents involving distracted drivers.
Read more
Reduce Your Exposure to Intersection Auto Accidents

Reduce Your Exposure to Intersection Auto Accidents

Automobile crashes causing injuries and property damage are most prevalent in urban areas, with one study finding that 81 percent of crashes happen in cities. Additionally, approximately 43 percent of auto accidents are linked to intersections, as highlighted by another study.
Read more
Risk Management for ATV Owners

Risk Management for ATV Owners

In the US, there are roughly 10 million ATVs and over 16 million operators, but each year sees around 700 deaths and over 100,000 injuries from ATV accidents. If you own or operate an ATV, it's crucial to inform your insurance agent to ensure adequate liability coverage and limits.
Read more
New Public Record Request Procedures in MA

New Public Record Request Procedures in MA

Governor Charlie Baker unveiled measures to enhance transparency in government operations, reduce costs, and improve responsiveness to public records requests. These reforms, including streamlined fee structures and enhanced communication protocols, aim to bolster taxpayer accountability and accessibility.
Read more
Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

Increase to Accident Surcharge Thresholds Limits Effective July 1, 2015

Governor Baker's signing of the Massachusetts 2016 State Budget on July 17, 2015, led to increased minor and major thresholds for surchargeable accidents, offering potential savings for drivers in the state who may be involved in at-fault accidents.
Read more
Massachusetts Drivers Be Aware of New "Move Over Law"

Headlight & Windshield Wiper Law No Longer a Surchargeable Offense – July 17, 2015

A new law eliminates the surchargeable offense for not using headlights with windshield wipers. Though using headlights and taillights with wipers remains mandatory and enforceable, receiving a ticket won't affect your driving record or insurance premium.
Read more
Is Hands-Free Cell Phone Use Safe? 2

Have You Heard? NH New Hands-Free Electronic Device Law in Effect July 1, 2015

Effective July 1, 2015, New Hampshire implemented a law prohibiting the use of hand-held electronic devices while driving, joining other states in similar measures. This law aims to enhance road safety by reducing distractions caused by electronic devices.
Read more

Massachusetts Senate Attempts to Increase Accident Surcharge Threshold Limits

The Massachusetts Senate has successfully incorporated an amendment into the 2016 State Budget, aiming to raise the Property Damage Threshold for both Minor and Major accidents. The proposed thresholds would increase to $1,001 for Minor Accidents and $5,001 for Major Accidents, potentially benefiting Massachusetts drivers by impacting surcharge points added to driving records, which can influence insurance premiums following at-fault accidents.
Read more
Check Your Sump Pump

Check Your Sump Pump

Regular maintenance checks are crucial to ensure your sump pump functions properly, preventing damage from excess ground or rainwater and keeping your home dry. Testing the pump annually, preferably in late winter or early spring before the onset of heavy spring rains, can significantly reduce the risk of failure during critical moments.
Read more
New MA Law Requires Use of Headlights Effective April 7, 2015

New MA Law Requires Use of Headlights Effective April 7, 2015

A new law passed, effective April 7, 2015, mandating drivers to activate headlights and taillights alongside windshield wipers. Non-compliance with this regulation constitutes ticketable and surchargeable offenses, potentially leading to increased insurance premiums.
Read more
Murphy Insurance Logo Big

10 Things You Should Know About Insurance

There are many things you might not know about your current insurance policies for your home, family, cars, and business. It is important to understand what is and isn't covered.
Read more
Coaching Your Teenage Driver

Coaching Your Teenage Driver

Obtaining a driver's license is a significant milestone for teenagers, symbolizing increased freedom and independence alongside added responsibility. While many teens may feel invincible, it's crucial for parents to instill a heightened sense of responsibility, particularly when driving, to ensure safety on the road.
Read more
5 Tips for Solid Auto Insurance Coverage

Car Insurance Checklist…Getting the Best Value

To secure excellent auto insurance, prioritize value over price. It's crucial to consider the value you receive for your spending when purchasing car insurance, as minimum legal requirements may not offer sufficient protection in the event of a serious accident involving bodily injury or significant property damage.
Read more

The Evolution of Insurance Products

Claims significantly shape the evolution of insurance products, influencing both the specific loss situations covered and the markets or geographic areas insurers target. At a micro-level, claims trends may lead to exclusions in policy coverage, while at a macro-level, they determine insurers' business interests.
Read more
Tips for Protecting Property in Winter Weather

Tips for Protecting Property in Winter Weather

With snowfall persisting this week and several more weeks of winter remaining, property owners are diligently clearing driveways, parking lots, and sidewalks. As snow accumulates, it's crucial to monitor roofs and mitigate risks of damage from ice dams and excessive snow load weight while staying safe from a hazardous situation.
Read more
Snow Removal from Vehicles Laws

Snow Removal from Vehicles Laws

Neglecting to fully clear snow and ice from your vehicle's roof and windows isn't just risky but could lead to hefty fines and legal consequences. Please take the extra few minutes to make sure your car is properly cleared to protect yourself and others on the road.
Read more
What is Your Jewelry Worth? When Should You Update Appraisals?

What is Your Jewelry Worth? When Should You Update Appraisals?

Valentine’s Day approaches, often marked by the exchange of jewelry as a symbol of love. While insuring every piece may not be practical, it's advisable to consider insurance for expensive items, particularly those worn frequently.
Read more
Snow Load Alert...Protect Your Roof and Building

Snow Load Alert…Protect Your Roof and Building

Property owners must manage snow accumulation on roofs during winter storms to prevent hazards. From clearing snow from vents to watching for structural weaknesses, taking proactive steps can safeguard against damage and potential accidents.
Read more
Smother Residential Fire Losses

Smother Residential Fire Losses

Fire is the primary cause of property loss annually in the U.S., with nearly 500,000 structure fires reported, amounting to around $10 billion in property damage. This peril claims thousands of American lives yearly and inflicts over 15,000 injuries.
Read more
Vermont cell phone ban for drivers begins October 1, 2014

Vermont Cell Phone Ban for Drivers Begins October 1, 2014

Starting October 1, 2014, cell phone use while driving in Vermont is prohibited, requiring hands-free operation for electronic devices to comply with the law. All drivers must be mindful of these regulations when operating a vehicle in the state.
Read more
Gender Related to Type of Car Crash

Gender Related to Type of Car Crash

The fear of experiencing a car accident is universal, heightened particularly for parents of teenage drivers as they navigate their child's initial ventures on the road. The specter of a collision looms heavily, casting a shadow over the anticipation of a teen's newfound driving privileges.
Read more
Most Stolen Cars in 2013

Most Stolen Cars in 2013

The NICB has published its yearly "Hot Wheels" report detailing the most frequently stolen vehicle make, model, and year in 2013, using theft data provided to the NCIC by law enforcement agencies. Read how to keep your vehicle safe from theft.
Read more
Is Insurance a Commodity?

Is Insurance a Commodity?

If you focus mainly on price when buying insurance, it might feel like a commodity. However, overlooking active participation and treating insurance protection as an afterthought could diminish its role as a strategic tool for safeguarding your bottom line.
Read more
Flood Insurance Bill Signed Into Law in 2014

Flood Insurance Bill Signed Into Law in 2014

Governor Deval Patrick has swiftly approved House Bill No. H-3783, known as "An Act Relative to Flood Insurance" (Chapter 177 of the Acts of 2014). This new law, effective immediately, bars creditors from mandating certain types of flood insurance for residential property purchasers or owners.
Read more
Get Your Coverage Updated Well Before a Storm

Get Your Coverage Updated Well Before a Storm

Amid Hurricane Arthur affecting the Atlantic coast, New England residents can find solace in forecasts suggesting the storm will remain offshore, potentially limiting damage to Fourth of July festivities. However, it's crucial to remember to update insurance coverage well before an approaching hurricane, as insurance companies typically restrict changes to property coverage limits when a storm is imminent.
Read more
Is Hands-Free Cell Phone Use Safe? 2

Is Hands-Free Cell Phone Use Safe?

Using a hands-free cell phone while driving might seem safe, especially with the rise of dashboard info systems enabling such calls, but it's not necessarily so. Although laws in Massachusetts and other states prohibit texting while driving and cell phone use by drivers under 18, it's legal for adults to use cell phones while driving, yet this doesn't necessarily equate to safety, especially compared to handheld devices.
Read more
6 Tips for Burglar-Proofing Your Home

6 Tips for Burglar-Proofing Your Home

Reduce the risk of home burglary with these effective prevention strategies. From installing motion-sensing lights to investing in a monitored burglar alarm system, taking proactive measures can significantly deter intruders and safeguard your property and peace of mind.
Read more
Thanks and Please Be Safe In the Kitchen & On the Road 1200x628

Thank You & Be Safe Over Thanksgiving

During this season of gratitude, we express our heartfelt thanks to all who have supported our success, especially our loyal customers. We deeply appreciate your trust in Murphy Insurance Agency as we strive to safeguard you, your loved ones, and your business endeavors.
Read more
Safety Tips: Prevent Kitchen Fires This Thanksgiving

Safety Tips: Prevent Kitchen Fires This Thanksgiving

Thanksgiving brings joy but also heightened kitchen risks. The U.S. Consumer Product Safety Commission warns that cooking fires triple on Thanksgiving, emphasizing the need for vigilance and safety measures like staying present while cooking and keeping fire extinguishers handy.
Read more
Hurricane Sandy One Year Later

Hurricane Sandy One Year Later

Hurricane Sandy struck the East Coast on October 29, 2012, causing widespread devastation. A year later, coastal communities were still grappling with the aftermath, with many families and businesses facing ongoing challenges in rebuilding and financial recovery.
Read more
When Driving Out of State Carry Proof of Insurance

When Driving Out of State Carry Proof of Insurance

Read more
Keep Your Home in Tip-Top Condition

Keep Your Home in Tip-Top Condition

In recent years, homeowners have grappled with soaring insurance costs and challenges in obtaining coverage, especially those with multiple claims. Yet, by implementing preventive measures, homeowners can mitigate future risks, making insurance more accessible and affordable.
Read more
What Happens to Your Loved Ones if Something Happens to You? Life Insurance - Part 1

Life Insurance: Understanding What Happens to Your Loved Ones if Something Happens to You?

In light of ongoing economic challenges, many are scrutinizing their present and future financial standing. While meeting monthly obligations remains difficult, it's crucial to also prepare for the future, including saving for retirement and contemplating how loved ones would cope in the event of premature death.
Read more
Lessons From Sandy...Get Flood Protection

Lessons From Sandy…Get Flood Protection

Sandy's impact was devastating, with flood waters inflicting the most severe damage. Standard insurance policies typically don't cover flood-related losses, necessitating a separate flood insurance policy. Despite the risk, many opt out due to cost concerns or underestimation of the potential threat.
Read more
Safe Travels on Thanksgiving

Drive Safely On Thanksgiving…And Thanks

Thanksgiving often involves travel to reunite with family, especially by road, which statistically poses higher risks of accidents and injuries. To ensure everyone's safety, here are some precautions you can take during this holiday season.
Read more
Get Your Coverage Updated Well Before a Storm

Insurance Claim Tips For After The Storm

After Hurricane Sandy passes, it'll be crucial to assess the damage. To streamline the claims process for property or vehicle damage caused by the storm, consider implementing these helpful tips.
Read more
75 Years Strong

75 Years Strong

Celebrating our 75th year in business in 2012 is truly remarkable. Reflecting on the vast changes within our agency and the insurance industry since then, my father, Frank, would undoubtedly be amazed.
Read more
Get Your Coverage Updated Well Before a Storm

Remembering Irene…Lessons Learned

This time last year, the Northeast endured the aftermath of Hurricane Irene and an unexpected October snowstorm wreaking havoc in Massachusetts, resulting in extensive damage including downed trees and prolonged power outages.
Read more
Documenting Antiques & Fine Arts For Insurance

Documenting Antiques And Fine Art For Insurance

Maintaining a home inventory is crucial for safeguarding your belongings, ensuring you're prepared for unexpected events requiring insurance claims. Particularly for antiques or fine art owners, detailed documentation is essential to guarantee compensation.
Read more
Consigning Property For Auction: Part 4 Skinner 1200x628

Consigning Property For Auction: Part 4 – Auction Fees

Many individuals have inquiries about auction fees, which typically include buyer and seller fees, adhering to industry standards. These fees cover the auction house's efforts to ensure your property reaches an optimal buying audience, providing valuable services for both parties involved.
Read more
Consigning Property For Auction: Part 3 Skinner 1200x628

Consigning Property For Auction: Part 3 – The Auction Schedule

Wondering when to reach out to an auction house to sell your property? You needn't wait for an upcoming auction announcement; most major houses plan schedules six months to nearly a year ahead, making it easy to schedule your property for sale in an upcoming auction.
Read more
Consigning Property For Auction: Part 2 Skinner 1200x628

Consigning Property For Auction: Part 2 – Maximizing Your Antiques Appraisal

Once you've selected an auction house, arrange for a thorough evaluation of your property by an expert appraiser, whether online, in person, or at your home. This step is crucial for maximizing the value of your antiques appraisal process.
Read more
Consigning Property for Auction: Part 1 - Are You Ready for an Antiques Appraisal?

Consigning Property for Auction: Part 1 – Are You Ready for an Antiques Appraisal?

Murphy Insurance is proud to partner with Skinner Inc. as co-presenting sponsor of The Wayside Inn Antiques Show. Leading up to the event on May 11-13, we're delighted to feature insights from Karen Keane on the process of consigning property for auction.
Read more
Antique Vase

Insuring Antiques and Fine Art

Whether you possess family heirlooms or are a dedicated collector of antiques and fine art, understanding how your insurance protects these valuables is crucial. Regardless of the size of your collection, you might be surprised by the accumulated value of your possessions over the years.
Read more
Hit-and-Run...It Can Happen To You

Hit-and-Run…It Can Happen To You

In a car accident, identifying the other driver isn't always possible, especially in hit-and-run situations which can escalate beyond mere vehicle damage to serious injuries for you or passengers, or even pedestrian accidents. Such uncertainties highlight the importance of being prepared.
Read more
5 Tips for Better Value on Your Car Insurance

5 Tips to Maximize Car Insurance Value

Maximizing your car insurance coverage while saving money is simpler than you think. By exploring discounts, adjusting deductibles, and understanding your vehicle's value, you can get the best bang for your insurance buck.
Read more
Most Stolen Cars in 2010

Most Stolen Cars in 2010

Surprisingly, the list of most stolen cars last year might include some models you wouldn't expect. However, with technological advancements, newer vehicles come equipped with features like kill switches and GPS locators, contributing to declining vehicle theft rates.
Read more
Driving Safely at Thanksgiving

Driving Safely at Thanksgiving

As Thanksgiving approaches, I cherish the traditions that bring us together and prompt reflection on gratitude, including our valued customers and dedicated team at Murphy Insurance Agency. Yet, amidst the joy of the holiday, it's crucial to address the heightened risks of travel, particularly during one of the busiest and statistically most perilous times on the road.
Read more
Trick or Treat...Be Safe!

Trick or Treat…Be Safe!

Safety remains paramount for trick-or-treaters and motorists as Halloween festivities commence, even amidst unexpected weather surprises. Drive cautiously, illuminate walkways, and ensure decorations pose no hazards while also practicing vigilance against potential storm-related dangers. Wishing everyone a joyful and secure Halloween celebration!
Read more
Don’t Risk a Lot For a Little

Don’t Risk a Lot For a Little

Severe accidents underscore the unpredictability of life's uncertainties. Murphy Insurance prioritizes your protection, urging our clients to secure comprehensive bodily injury coverage against financial risks. Connect with us today for personalized insurance solutions.
Read more
Back-to-school College Student Insurance Issues

Back-to-School College Student Insurance Issues

Heading into back-to-school season, the question arises: Does your homeowners policy cover your child’s belongings at college? It's not always straightforward, as residency status and living arrangements can complicate matters, emphasizing the need for clarity and communication with your insurance agent.
Read more
Five Insurance Lessons from ‘The Town’

Five Insurance Lessons from ‘The Town’

Watching "The Town" might not immediately bring insurance to mind, but amidst the action-packed scenes, there are valuable lessons to learn. From ensuring higher Uninsured and Underinsured limits on your car insurance to the importance of timely life insurance, the movie underscores the need for comprehensive protection in the face of unexpected catastrophes.
Read more
Murphy Insurance Logo Big

Welcome to the Murphy Insurance Blog!

Welcome to our blog, where insurance meets real life without the jargon. We aim to simplify insurance topics, offering personal and business coverage insights and guidance. With a dedicated team, we're here to share valuable information and engage with our readers. Stay tuned for updates!
Read more
Massachusetts Drivers Be Aware of New "Move Over Law"

Mobile Phone/Texting while Driving Law Effective September 30, 2010

Stay informed about the Massachusetts Safe Driving Law taking effect on September 30, 2010, which introduces new provisions. Familiarize yourself with the updated regulations to ensure compliance with the law.
Read more
Chapter 453 Acts of 2008: Homeowner Oil Heating System Upgrade and Insurance Law

Chapter 453 Acts of 2008: Homeowner Oil Heating System Upgrade and Insurance Law

Starting July 1, 2010, Massachusetts homeowners using oil for heating must upgrade their systems to prevent leaks. Insurance companies are now mandated to offer coverage for such incidents. Visit the Mass DEP website for detailed upgrade requirements, and contact a heating professional to assess your system's needs.
Read more
Massachusetts Drivers Be Aware of New "Move Over Law"

Massachusetts Drivers Be Aware of New “Move Over Law”

Starting March 22, 2009, the Move Over Law aims to safeguard police, firefighters, tow truck drivers, and roadside workers. Drivers must switch to the adjacent lane or reduce speed when approaching a stationary vehicle with flashing lights, ensuring safety on the road.
Read more

Visit Our Homeowners Insurance Page

Homeowners Insurance OLD VERSION

At Murphy Insurance, we take great care in assessing your options for homeowners insurance to ensure that you receive the most favorable value. Our dedication to serving you entails collaborating with highly-rated insurance providers and conducting comprehensive assessments of available choices. Our goal is to achieve the ideal equilibrium between affordability and coverage that suits your unique needs. Please let us provide you with a customized homeowners insurance quote.